Charleston Insurance Rates:

Charleston, WV homeowners insurance is approximately $788 to $1,077, about $65-$89/month. Our exhaustive guide shows customers can save upto $373 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Home Insurance Companies in Charleston, WV: Customer-Reviewed Options

Top Home Insurance Agents Near Charleston, WV

Home Insurance Company Near Charleston, WV Homeowners Insurance Agency Near Charleston, WV Address
Travelers Peoples Insurance Agency Llc 101 FIFTH AVE, HUNTINGTON, WV, 25701
Allstate Travis Foster 127 Goff Mountain Rd, Cross Lanes, WV, 25313
State Farm Tyler Courts 101 Court St N, Ripley, WV, 25271-1207

Charleston, WV Home Insurance Agents for Top Companies


Charleston, WV Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
South Charleston city, West Virginia $136 $181 $272
Dunbar city, West Virginia $134 $179 $269
Rand CDP, West Virginia $131 $175 $263


Charleston, WV Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Charleston, WV6.7%21.0%
South Charleston7.84%22.1%

Charleston Renters Insurance as a Percentage of Rent

Charleston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 496 5.0% $353
$200 to $299 611 7.0% $803
$300 to $499 1,364 15.0% $1253
$500 to $749 3,405 39.0% $1928
$750 to $999 1,750 20.0% $2678
$1,000 to $1,499 799 9.0% $3803
$1,500 or more 180 2.0% $5453

Cost Of Homeowners Insurance By Street Near Charleston, WV

Streets in Charleston Area Homeowners Insurance Cost
Chamnes Ln, Athens Ave, Callie Rd, Baird Dr, Hunt Ave, Co Rte 20, Hinton, Marburn Rd, Titan Dr, Wesley Dr$896
Francis Dr, Old US Hwy 60, Ehman Dr, Westview Dr, Tudor Rd, S St, Mud Lick Rd, 50th St SE, Penn Ave, Poplar St$923
Evergreen Dr, Capitol St, 72nd St SE, Ring Hollow Rd, Hazel Rd, Beacon Ln, Pickford Ct, Mount Alpha Rd, Beulah St, Rose Hill Dr$927
Woodvale Dr, Frog Creek, California Ave, Hunter Rd, Phyllis Dr, McGuffin Dr, Thornhill Ln, Kent St, Co Rte 119/73, Brookstone Rd$930
Lynnhaven Dr, Slacks Branch Rd, Lyndale Dr, Friendly Dr, McCormick St, Co Rte 73/7, Rummelbrown Dr, Quarrier St E, Jane St, Shelton Ave$933
E 5th St, Puckett Dr, Layman Ln, State Forest Connell Rd, Wilkie Dr, Rattlesnake Hollow Rd, Westminister Way, Forest Edge Ln, Potomac St, Aliff Dr$885
Dryden Rd, Biden Dr, Heavenly Dr, Davis Creek, Danner Rd, Viola Rd, 20th St SE, Cross Creek Rd, Claymont Rd, Brynwood Dr$908
Kingston Ct, Pittman Rd, Chandler Dr, King St, Mink Shoal Branch, Mountain Rd, Co Rte 46/3, Walden St, Branch Rd, Draper Dr$900
Columbia Ave, School St, Bare Ln, 4th St E, Floyd Dr, Upper Ridgeway Rd, Quail Pointe Dr, McDonald St, E Donnally Rd, Shellar Dr$898
Edgewood Dr, Young St, Clover Dr, Hermitage Rd, Somerlayton Rd, Kay Ln, Rustling Rd, Newton Rd, Glen Cove Dr, Kinser Rd$952

Charleston, WV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charleston$139 to $142
South Charleston$136

Charleston, WV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Charleston Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,500$11,000
Net Savings to Charleston Home Owner from High Deductible Plan $500


Charleston, WV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Charleston, WV Home Replacement Value MORE than Home Value Charleston, WV Home Replacement Value LESS than Home Value
Replacement Value $105,500 $64,500
Insurance Premium based on Replacement Value $500 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year


Example Charleston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAmica Mutual Insurance CompanyGEICO Insurance
Monthly Premium 395545
Year Built 196419561977
Home Details 3 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$125000-$150000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible$500 Deductible